Recieved a letter from Lloyds this morning, and I could do with some moral support. Basically it's a refusal letter telling me why they won't refund my charges. I don't have the letter in front of me, so I'll paraphrase; The office of fair tradings guidlines relate to credit card default charges, that people pay when they break an agreement with us. This does not apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They were not default charges because you havn't broken your agreement...... It does go on but I think these are the relevant parts, I am only claiming normal bank charges, returned DD's, overdraft usage fees etc. I don't know how to proceed now, any guidance or support would be most welcome. Thanks for reading, Rafa.

Thanks mate.

Can anyone tell me what these are, have gone through my statements and cannot find any of these. I have just looked at the spreadsheet page so i can sort out my schedule of charges, and i was wondering what these were.

Hi all. just thought i'd say hello. Myself and my partner are just about to start what seems to be the quite daunting task of reclaiming OUR money back from Lloyds T.S.B. I have been browsing through the forum and to be honest, it seems a very intimidating exercise, i hope we've got it in us to get the task completed. Any support or advice would be very welcome. wish us luck. Rafasredmen. p.s. please don't hold being a liverpool fan against me.